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Deposit Rates

Checking Accounts¹

Account	Minimum Opening Deposit	Balance Required to Obtain APY	Interest Rate	APY¹
AccountPersonal Interest Checking⁵	Minimum Opening Deposit$25	Balance Required to Obtain APY$0.01 or more	Interest Rate0.05%	APY¹0.05%
AccountMaxEarnings Checking⁵	Minimum Opening Deposit$25	Balance Required to Obtain APYTier 1: $0.01 - $10,000.00 Tier 2: $10,000.01 or more	Interest RateTier 1: 4.89% Tier 2: 0.05%	APY¹Tier 1: 5.00% Tier 2: 5.00-0.09%²
AccountMicro Business MaxEarnings Checking⁵	Minimum Opening Deposit$25	Balance Required to Obtain APYTier 1: $0.01 - $5,000.00 Tier 2: $5,000.01 or more	Interest RateTier 1: 4.89% Tier 2: 0.05%	APY¹Tier 1: 5.00% Tier 2: 5.00-0.05%²

Savings Accounts¹

Account	Minimum Opening Deposit	Balance Required to Obtain APY	Interest Rate	APY¹
AccountEveryday Saver⁵	Minimum Opening Deposit$25	Balance Required to Obtain APYTier 1: $0.01 - $49,999.99 Tier 2: $50,000.00 - $99,999.99 Tier 3: $100,000.00 or more	Interest RateTier 1: 0.05% Tier 2: 0.15% Tier 3: 0.20%	APY¹Tier 1: 0.05% Tier 2: 0.15% Tier 3: 0.20%
AccountMaxEarnings Saver⁵	Minimum Opening Deposit$25	Balance Required to Obtain APYTier 1: $0.01 - $24,999.99 Tier 2: $25,000 or more	Interest RateTier 1: 2.96% Tier 2: 0.05%	APY¹Tier 1: 3.00% Tier 2: 3.00 - 0.22%³
AccountAnytime Savers Club⁵	Minimum Opening Deposit$10	Balance Required to Obtain APYno minimum	Interest Rate0.03%	APY¹0.03%
AccountOnline Savings	Minimum Opening Deposit$25	Balance Required to Obtain APYno minimum	Interest Rate2.93%	APY¹2.96%
AccountStudent Saver⁵	Minimum Opening Deposit$25	Balance Required to Obtain APYno minimum	Interest Rate0.05%	APY¹0.05%
AccountBusiness Savings⁵	Minimum Opening Deposit$100	Balance Required to Obtain APYTier 1: $100.00 - $49,999.99 Tier 2: $50,000.00 - $99,999.99 Tier 3: $100,000.00 or more	Interest RateTier 1: 0.05% Tier 2: 0.15% Tier 3: 0.20%	APY¹Tier 1: 0.05% Tier 2: 0.15% Tier 3: 0.20%

Individual Retirement Accounts

Individual Retirement Accounts^4,5

APY is based on a balance of $1,000. For Relationship IRAs, the primary account holder must have at least one active consumer checking account that has direct deposit, online banking, and a debit card.

Account	Minimum Opening Deposit	Balance Required to Obtain APY	Interest Rate	APY⁴
Account12 Month IRA/Roth	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $1,000 - $49,999 Tier 2: $50,000 - $99,999 Tier 3: $100,000 - $249,999 Tier 4: $250,000 - $999,999.99	Interest RateTier 1: 1.84% Tier 2: 2.62% Tier 3: 2.77% Tier 4: 2.97%	APY⁴Tier 1: 1.85% Tier 2: 2.65% Tier 3: 2.80% Tier 4: 3.00%
Account12 Month Relationship IRA/Roth	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $1,000 - $49,999 Tier 2: $50,000 - $99,999 Tier 3: $100,000 - $249,999 Tier 4: $250,000 - $999,999.99	Interest RateTier 1: 2.38% Tier 2: 2.87% Tier 3: 3.02% Tier 4: 3.21%	APY⁴Tier 1: 2.40% Tier 2: 2.90% Tier 3: 3.05% Tier 4: 3.25%
Account24 Month IRA/Roth	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $1,000 - $49,999 Tier 2: $50,000 - $99,999 Tier 3: $100,000 - $249,999 Tier 4: $250,000 - $999,999.99	Interest RateTier 1: 1.15% Tier 2: 1.39% Tier 3: 1.54% Tier 4: 1.64%	APY⁴ Tier 1: 1.15% Tier 2: 1.40% Tier 3: 1.55% Tier 4: 1.65%
Account24 Month Relationship IRA/Roth	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $1,000 - $49,999 Tier 2: $50,000 - $99,999 Tier 3: $100,000 - $249,999 Tier 4: $250,000 - $999,999.99	Interest RateTier 1: 1.39% Tier 2: 1.64% Tier 3: 1.79% Tier 4: 1.89%	APY⁴Tier 1: 1.40% Tier 2: 1.65% Tier 3: 1.80% Tier 4: 1.90%
Account48 Month IRA/Roth	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $1,000 - $49,999 Tier 2: $50,000 - $99,999 Tier 3: $100,000 - $249,999 Tier 4: $250,000 - $999,999.99	Interest RateTier 1: 1.05% Tier 2: 1.29% Tier 3: 1.39% Tier 4: 1.54%	APY⁴Tier 1: 1.05% Tier 2: 1.30% Tier 3: 1.40% Tier 4: 1.55%
Account48 Month Relationship IRA/Roth	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $1,000 - $49,999 Tier 2: $50,000 - $99,999 Tier 3: $100,000 - $249,999 Tier 4: $250,000 - $999,999.99	Interest RateTier 1: 1.29% Tier 2: 1.54% Tier 3: 1.64% Tier 4: 1.79%	APY⁴Tier 1: 1.30% Tier 2: 1.55% Tier 3: 1.65% Tier 4: 1.80%
Account60 Month IRA/Roth	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $1,000 - $49,999 Tier 2: $50,000 - $99,999 Tier 3: $100,000 - $249,999 Tier 4: $250,000 - $999,999.99	Interest RateTier 1: 1.00% Tier 2: 1.24% Tier 3: 1.34% Tier 4: 1.49%	APY⁴Tier 1: 1.00% Tier 2: 1.25% Tier 3: 1.35% Tier 4: 1.50%
Account60 Month Relationship IRA/Roth	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $1,000 - $49,999 Tier 2: $50,000 - $99,999 Tier 3: $100,000 - $249,999 Tier 4: $250,000 - $999,999.99	Interest RateTier 1: 1.24% Tier 2: 1.49% Tier 3: 1.59% Tier 4: 1.74%	APY⁴Tier 1: 1.25% Tier 2: 1.50% Tier 3: 1.60% Tier 4: 1.75%

Certificates of Deposit Rates

Certificates of Deposit^4,5,6

Minimum to open is $1,000. For Relationship CDs, the primary account holder must have at least one active consumer checking account that has direct deposit, online banking, and a debit card.

Account	Minimum Opening Deposit	Balance Required to Obtain APY	Interest Rate	APY⁴
Account3 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: 100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 0.50% Tier 2: 0.75% Tier 3: 1.00% Tier 4: 1.23%	APY⁴ Tier 1:0.50% Tier 2: 0.75% Tier 3: 1.00% Tier 4: 1.24%
Account3 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.00% Tier 2: 1.24% Tier 3: 1.49% Tier 4: 1.73%	APY⁴ Tier 1: 1.00% Tier 2: 1.25% Tier 3: 1.50% Tier 4: 1.74%
Account6 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.73% Tier 2: 2.08% Tier 3: 2.48% Tier 4: 2.87%	APY⁴ Tier 1: 1.74% Tier 2: 2.10% Tier 3: 2.50% Tier 4: 2.90%
Account6 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 2.48% Tier 2: 2.92% Tier 3: 3.16% Tier 4: 3.41%	APY⁴ Tier 1: 2.50% Tier 2: 2.95% Tier 3: 3.20% Tier 4: 3.45%
Account9 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.94% Tier 2: 2.13% Tier 3: 2.87% Tier 4: 3.06%	APY⁴ Tier 1: 1.95% Tier 2: 2.15% Tier 3: 2.90% Tier 4: 3.10%
Account9 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 2.48% Tier 2: 2.92% Tier 3: 3.16% Tier 4: 3.41%	APY⁴ Tier 1: 2.50% Tier 2: 2.95% Tier 3: 3.20% Tier 4: 3.45%
Account12 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.84% Tier 2: 2.62% Tier 3: 2.77% Tier 4: 2.97%	APY⁴ Tier 1: 1.85% Tier 2: 2.65% Tier 3: 2.80% Tier 4: 3.00%
Account12 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 2.38% Tier 2: 2.87% Tier 3: 3.02% Tier 4: 3.21%	APY⁴ Tier 1: 2.40% Tier 2: 2.90% Tier 3: 3.05% Tier 4: 3.25%
Account18 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.23% Tier 2: 1.48% Tier 3: 1.63% Tier 4: 1.73%	APY⁴ Tier 1: 1.24% Tier 2: 1.49% Tier 3: 1.64% Tier 4: 1.74%
Account18 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.49% Tier 2: 1.74% Tier 3: 1.89% Tier 4: 1.99%	APY⁴ Tier 1: 1.50% Tier 2: 1.75% Tier 3: 1.90% Tier 4: 2.00%
Account24 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.15% Tier 2: 1.39% Tier 3: 1.54% Tier 4: 1.64%	APY⁴ Tier 1: 1.15% Tier 2: 1.40% Tier 3: 1.55% Tier 4: 1.65%
Account24 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.39% Tier 2: 1.64% Tier 3: 1.79% Tier 4: 1.89%	APY⁴ Tier 1: 1.40% Tier 2: 1.65% Tier 3: 1.80% Tier 4: 1.90%
Account36 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.10% Tier 2: 1.34% Tier 3: 1.44% Tier 4: 1.59%	APY⁴ Tier 1: 1.10% Tier 2: 1.35% Tier 3: 1.45% Tier 4: 1.60%
Account36 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.34% Tier 2: 1.59% Tier 3: 1.69% Tier 4: 1.84%	APY⁴ Tier 1: 1.35% Tier 2: 1.60% Tier 3: 1.70% Tier 4: 1.85%
Account48 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.05% Tier 2: 1.29% Tier 3: 1.39% Tier 4: 1.54%	APY⁴ Tier 1: 1.05% Tier 2: 1.30% Tier 3: 1.40% Tier 4: 1.55%
Account48 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 Tier 4: $250,000 - $999,999.99	Interest Rate Tier 1: 1.29% Tier 2: 1.54% Tier 3: 1.64% Tier 4: 1.79%	APY⁴ Tier 1: 1.30% Tier 2: 1.55% Tier 3: 1.65% Tier 4: 1.80%
Account60 Months	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 $250,000 - $999,999.99	Interest Rate Tier 1: 1.00% Tier 2: 1.24% Tier 3: 1.34% 1.49%	APY⁴ Tier 1: 1.00% Tier 2: 1.25% Tier 3: 1.35% 1.50%
Account60 Month Relationship	Minimum Opening Deposit$1,000	Balance Required to Obtain APY Tier 1: $0.01 - $49,999.99 Tier 2: $50,000 - $99,999.99 Tier 3: $100,000 - $249,999.99 $250,000 - $999,999.99	Interest Rate Tier 1: 1.24% Tier 2: 1.49% Tier 3: 1.59% 1.74%	APY⁴ Tier 1: 1.25% Tier 2: 1.50% Tier 3: 1.60% 1.75%

Money Market Rates

Money Market Accounts¹

Account	Balance Required to Obtain APY	Interest Rate	APY¹
Account Personal Money Market⁵	Balance Required to Obtain APY $2,500.00 - $99,999.99 $100,000.00 - $249,999.00 $250,000.00 - $999,999.99 $1,000,000.00 - $4,999,999.99 $5,000,000.00 or more	Interest Rate 0.05% 0.10% 0.15% 0.30% 0.45%	APY¹ 0.05% 0.10% 0.15% 0.30% 0.45%
Account Personal Relationship Money Market⁵	Balance Required to Obtain APY $2,500.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00 - $999,999.99 $1,000,000.00 - $4,999,999.99 $5,000,000.00 or more	Interest Rate 0.50% 0.65% 1.07% 1.29% 2.11%	APY¹ 0.50% 0.65% 1.08% 1.30% 2.13%
Account Business Money Market⁵	Balance Required to Obtain APY $2,500.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00 - $999,999.99 $1,000,000.00 - $4,999,999.99 $5,000,000.00 or more	Interest Rate 0.05% 0.50% 0.75% 1.44% 2.11%	APY¹ 0.05% 0.50% 0.75% 1.45% 2.13%
Account Business Relationship Money Market⁵	Balance Required to Obtain APY $2,500.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00 - $999,999.99 $1,000,000.00 - $4,999,999.99 $5,000,000.00 or more	Interest Rate 0.25% 0.60% 1.00% 2.47% 3.44%	APY¹ 0.25% 0.60% 1.00% 2.50% 3.50%

DISCLOSURES

Accounts enrolled to receive electronic statements only will not incur a statement fee. A $2 paper statement fee will be charged per statement cycle effective 10/1/22. Must be currently enrolled in PSBT Online Banking in order to receive eStatements.

(1) Annual Percentage Yields (APYs) and interest rates are variable and may change at any time including after account is opened. APYs and interest rates are accurate as of 12.04.2025. You may contact any branch location to obtain the most current rate and APY information. Fees may reduce earnings.

(2) Balances over $5,000 earn 0.05% interest rate on the portion of the balance over $5,000, resulting in a range from 5.00% to 0.05% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted.

(3) Balances over $25,000 earn 0.05% interest rate on the portion of balance over $25,000, resulting in a range from 0.20% - 0.08% APY, depending on the balance. This range assumes a $25,000.01 - $110,000 account balance, although higher balances are accepted.

(4) Annual Percentage Yields (APYs) and interest rates are accurate as of 12.04.2025. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. A penalty may be imposed for early withdrawal.

(5) To view complete account details, please click on the account name.

(6) A withdrawal along with any penalties imposed may reduce earnings.